Abstract: A system and method for presenting insurance offers is provided. User information is received via a user interface. A database stores the user information, and also stores a plurality of insurance policy offers, each of which has a corresponding base purchase value. An offer interface is provided for presenting a selected insurance policy offer from among the plurality of insurance policy offers stored in the database, wherein the selected insurance policy is selected based on the user information. The selected insurance policy further has a corresponding adjusted purchase value, which is based on the base purchase value and is increased or decreased based on the user information.